Merchant Services, through its operating entities Paymentech, LLC, WePay, Inc., Chase Paymentech Europe Limited, J.P. Morgan Wholesale Payments Europe Limited, WePay Payments Ltd., J.P. Morgan Chase Bank N.A. London Branch and Chase Paymentech Solutions Inc. (collectively, “Merchant Services”), is committed to safeguarding the privacy and security of the personal information it collects. This Privacy Statement explains Merchant Services’ policies and practices with respect to the handling of personal information. This Privacy Statement shall be read and is provided in addition to other privacy policies or statements you receive or encounter from the JPMorgan Chase & Co. family of companies; please know that this policy controls for purposes of your accounts or relationships with Merchant Services.
Merchant Services’ customers are businesses and other legal entities desiring to accept credit or debit cards or other payment methods, as payment for goods or services or as donations (“Merchants”). Merchant Services does not provide services for consumer, personal, family or household purposes and generally does not have direct relationships with, or collect information directly from, individual consumers. The personal information we receive and collect, as described below, relates to our Merchants (and their owners and operators), the payment transactions we help Merchants execute, and representatives of prospective or potential business customers interested in learning more about our services.
Circumstances where Merchant Services collects information, including personal information, include the following:
Merchant Services is a global business and therefore we transmit, transfer, store or process personal information to, or through, other countries in the world, as we deem necessary, appropriate, and in accordance with applicable legal, contractual or regulatory obligations. When we do, we take appropriate steps to protect the confidentiality and security of the personal information in accordance with this Privacy Statement. Our employees, affiliates and third parties we engage to provide services on our behalf are responsible for complying with the data protection requirements set forth in this Privacy Statement.
Merchant Services uses, retains and discloses personal information to (i) comply with any applicable legislation requiring Merchant Services to obtain, verify, and record information that identifies each entity with which it establishes a Merchant relationship; (ii) evaluate your eligibility for a Merchant account, which involves disclosure to consumer reporting agencies, commercial credit bureaus, and relevant financial institutions; and (iii) as required or permitted by law. Merchant Services also uses your information to contact you about other Merchant Services offerings and services, as well as offerings and services of our affiliates. If you are, or become a Merchant, Merchant Services discloses your information, and information about your officers, directors and guarantors during the course of providing such services to card associations, banks and other financial institutions involved in the course of processing or screening the transaction, and to third parties that have contracted with Merchant Services to perform certain functions of our services on our behalf. Merchant Services uses or discloses your personal information for the additional purposes of facilitating and completing merchant-initiated or authorized transactions; complying with local laws, including credit reporting laws and card association rules; assisting in preventing fraud; informing you about general company news, product updates and developments, card association rules, and industry trends; offering you products and services of interest to you; or as otherwise permitted by your agreements with us, your consent, or as required by applicable law.
Examples where we use and disclose information include:
Merchant Services has implemented various measures, in accordance with applicable laws, rules and regulations such as the Payment Card Industry Data Security Standards (“PCI-DSS”), to help ensure the security and confidentiality of cardholder and Merchant data. These measures include appropriate administrative, technical and physical safeguards designed to protect against anticipated threats or hazards to the security or integrity of such information and against unauthorized access to or use of such information.
Merchant Services retains the personal information it collects as long as necessary for the fulfillment of the purposes for which it was collected, subject to reasonable legal limitation periods, statutory or regulatory retention requirements and legitimate business requirements.
Merchant Services will use reasonable efforts to ensure that personal information which is no longer required will be disposed of or destroyed in a secure manner.
For the purpose of this Privacy Statement, “personal information” means information that identifies, is identifiable to, or can be used to identify an individual alone or in combination with other information, as more particularly defined in applicable privacy legislation. Personal information does not include aggregate information that cannot be associated with a specific individual, and in certain jurisdictions, it also excludes business contact information.
We continue to review our policies and procedures to assure they are effective in meeting our commitments to our Merchants. Accordingly, we may change this Privacy Statement from time to time. When we do, we will let you know by appropriate means such as by posting the revised statement on this page with a new “Last Modified” date. All changes will become effective when posted unless indicated otherwise.
Paymentech, LLC provides certain processing services in the U.S. for its EU and UK affiliates; Chase Paymentech Europe Limited (“CPEL”), J.P. Morgan Wholesale Payments Europe Limited (“WPEL”), WePay Payments Ltd. (“WPL”) and J.P. Morgan Chase Bank, N.A., London Branch (JPMLB). As a result, Merchant Services, its affiliates and service providers processes personal data of EU and UK based data subjects inside and outside of the EU and UK, including in the United States, in accordance with applicable Data Protection regulations. We handle such personal information in accordance with our EMEA Data Privacy Policy, our Global Privacy Code for the EEA and our Global Privacy Code for the UK.
Merchant Services and its affiliates and service providers may process personal information in any Canadian province and outside of Canada, and can be required by Canadian or foreign law to provide personal information to governments, courts, national security, law enforcement or regulatory agencies in certain circumstances. Please contact us if you have any questions about our use of service providers outside of Canada.
The file containing your personal information will be maintained at our offices or on our servers, or those of our third party service providers. Authorized employees, mandataries and agents of Merchant Services who have a legitimate purpose for accessing the information and require it in the course of their duties will have access to your personal information.
You can withdraw your consent to our collection, use or disclosure of personal information at any time (subject to legal or contractual restrictions and reasonable notice) by contacting our Chief Privacy Officer using the information listed below. However, if you withdraw your consent to certain collections, uses or disclosure of your personal information, Merchant Services may be unable to provide services. You can request access to or correction of your personal information at any time by contacting our Chief Privacy Officer. We take steps to verify your identity before granting access or making corrections. You can also contact our Chief Privacy Officer with any questions about how we handle personal information, including with respect to our use of service providers outside of Canada.
If you have any questions about this Privacy Statement, please contact us.
Paymentech, LLC
8181 Communications Pkwy
Plano, Texas, 75024
Chase Paymentech Solutions Inc.
255 Consumers Road, Suite 300
Toronto (Ontario)
M2J 1R4 Canada
Please refer to our EMEA Data Privacy Policy
(Last modified 13 May 2025)